Barclays vs. Zynlo Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | BarclaysTiered Savings Jan 21, 2026 | Zynlo BankTomorrow Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 3.85% - 4.00% | 3.85% |
Est. Earnings | $5,000+$193 $10,000+$385 $25,000+$963 | $5,000+$193 $10,000+$385 $25,000+$963 |
Min Deposit | $0 | $10 |
Snapshot view. Rates subject to change. | ||
Terms | The 4.00% APY is only available for balances over $250,000. For lower balances, the APY is 3.85%. | - |
| Features | FDIC InsuredHigh MinimumGreat iOS AppGreat Android App | FDIC InsuredLow MinimumsGreat iOS App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing Barclays vs. Zynlo Bank
As of both Barclays (Tiered Savings) and Zynlo Bank (Tomorrow Savings Account) offer an APY of 4.00% .
Both banks yield $385 in interest on a $10,000 balance after one year. Neither has an APY advantage, so consider other features (fees, access, app ratings, etc.) when choosing.
In addition, Barclays also offers 3.60% APY for the Online Savings account, with a minimum balance of Enough to earn $0.01 in interest.
Why Barclays?
- ✓Higher potential APY (3.60%-4.00% vs 3.85%)
- ✓Higher rated iOS app (4.9 vs 4.1)
- ✓Higher rated Android app (4.7 vs 3.5)
- ✓Offers 2 different high-yield savings options
Why Zynlo Bank?
No distinct advantages found vs Barclays.
— Key Feature Differences —
Best for Simplicity
Zynlo BankZynlo Bank's Tomorrow Savings Account offers 3.85% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
BarclaysBarclays offers an iOS app rated 4.9 (vs. 4.1) and Android app rated 4.7 (vs. 3.5)
Shared Benefits
Executive Summary as of
Barclays offers a Tiered Savings account with a competitive APY of 4.00% for balances over $250,000, while lower balances earn 3.85%. In addition, they provide an Online Savings account with a 3.60% APY. Zynlo Bank's Tomorrow Savings Account has a slightly lower APY of 3.85%, but it is notable for its simplicity, requiring no bundling or direct deposit. Both banks operate online only and have no maintenance fees, making them accessible options for savers. However, Barclays stands out with its higher APY for larger balances.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Barclays vs. Zynlo Bank Savings Calculator
Both accounts earn exactly the same amount.
Barclays
Tiered Savings
Higher APY requires $250,000
Savings Breakdown
- Interest Earned+$385.00(3.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,385.00
Zynlo Bank
Tomorrow Savings Account
Savings Breakdown
- Interest Earned+$385.00(3.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,385.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Barclays | Zynlo Bank |
|---|---|---|
| APY | 4.00% Range: 3.85% - 4.00% Verified: 1/21/2026 ↘︎ 0.10%90d Change | 3.85% Verified: 1/21/2026 ↘︎ 0.35%90d Change |
| Product Name | Tiered Savings | Tomorrow Savings Account |
| Minimum Deposit | $0 | $10 |
| Min. Balance for APY | $250,000 | $0.01 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.7 | iOS4.1 Android3.5 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | The 4.00% APY is only available for balances over $250,000. For lower balances, the APY is 3.85%. | - |
| Next Steps | Visit SiteVerify at Barclays Non-sponsored link to official site | Visit SiteVerify at Zynlo Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Barclays | Zynlo Bank | |
|---|---|---|---|
| Online Savings | Tiered Savings | Tomorrow Savings Account | |
Current APY | 3.60% | 4.00% | 3.85% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.5 | -3.5 | -4.4 |
Days Since Change | 56 | 63 | 23 |
10-Month High | 3.90% | 4.40% | 4.35% |
10-Month Low | 3.60% | 4.00% | 3.85% |
Adjustments / Mo | 0.48 | 0.58 | 0.29 |
Volatility Score | 0.023 | 0.029 | 0.039 |
How to read these metrics(Click to expand)
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